Toyota Tundra Insurance Rates

The average Toyota Tundra insurance costs drivers $1,468 a year for full coverage. This figure is based on a variety of individual factors such as your age, location, and the model year of your car. For example, 2018 Toyota Tundra insurance costs less than the newest model.

In order to help you secure the best Toyota Tundra car insurance rates and policy, we have compiled a lot of helpful information in this guide. Start reading through the information below so you can finally answer the question, “How much does a Toyota Tundra?” cost for yourself.

You can even start comparing Toyota Tundra insurance quotes from multiple companies by entering your ZIP code into our free tool.

The average insurance prices for a Toyota Tundra are $1,442 every 12 months for full coverage insurance. Comprehensive insurance costs approximately $306, collision insurance costs $506, and liability is $450. Buying just liability costs around $518 a year, and insurance for high-risk drivers costs $3,106 or more. Teenage drivers cost the most to insure at up to $5,420 a year.

Average premium for full coverage: $1,442

Policy rates by type of insurance:

Rates are based on $500 policy deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 states and for all Tundra models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on the price of auto insurance. Rural locations are shown to have more infrequent physical damage claims than densely populated cities. The example below illustrates the difference between rural and urban areas on auto insurance prices.

The examples above illustrate why everyone should compare rates quotes using their specific location and their own driving history, instead of using average rates.

Use the form below to get customized rates for your location.

Additional Rate Analysis

The chart below illustrates average Toyota Tundra insurance rates for additional coverage and risk scenarios.

• The best discount rate is $843
• Raising to $1,000 deductibles will save $182 each year
• The average price for a good driver age 40 who chooses $500 deductibles is $1,442
• Using pricier low deductibles costs an extra $358 every year
• At-risk drivers who are prone to accidents and violations could pay around $3,106
• Policy cost to insure a teen driver for full coverage can cost $5,420

View Chart as Image

Insurance rates for a Toyota Tundra also range considerably based on liability limits and deductibles, your risk profile, and the model of your Tundra.

Using high physical damage deductibles can reduce rates by up to $540 every year, whereas buying more liability protection will push rates upward. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $405 more per year. View Rates by Deductible or Liability Limit

A more mature driver with a clean driving record and higher deductibles may pay as little as $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers can expect to pay in the ballpark of $5,400 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying anywhere from $1,700 to $2,300 extra every year, depending on your age. Toyota Tundra insurance for high-risk drivers is expensive and can cost as much as 42% to 131% more than a normal policy. View High Risk Driver Rates

Your home state also has a big influence on Toyota Tundra insurance prices. A middle-age driver might find rates as low as $940 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,950 on average in Florida, New York, and Michigan.

View Chart as Image

Insurance Rates by Trim Level and Model Year

Rates assume 2023 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Shop for the Best Cheap Toyota Tundra Insurance

Finding cheaper rates on car insurance consists of avoiding accidents and claims, having good credit, being claim-free, and possibly raising deductibles. Set aside time to compare rates at every policy renewal by requesting quotes from direct insurance companies, and also from local insurance agencies.

The points below are a quick review of the data covered above.

• Policyholders who purchase increased liability limits will pay an extra $500 annually to raise from a 30/60 limit to a 250/500 level
• It is possible to save around $170 per year just by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles could save as much as $550 each year
• Drivers under the age of 20 are expensive to insure, possibly costing $452 each month if they have full coverage

Some might asking, “How much does a fully loaded Toyota Tundra cost?” It has one of the highest priced pickup trucks at $33,500 and up in depending on the year.

What problems do Toyota Tundras have? The most common issues reported to RepairPal included:

• Ticking Noise From Failed Exhaust Manifold (260 people have reported this)
• Toyota Recall For Lower Ball Joint Issue (199 people have reported this)
• AIR injection Pump failure (136 people have reported this)
• Oxygen Sensor May Fail (123 people have reported this)
• All other reports issues were under 30 reports.

Now that you have a better understanding of how Toyota Tundra car insurance rates are determined, the next step is to find out what your policy might look like. Take advantage of our free quote tool below to compare Toyota Tundra insurance costs from top companies.

What are the safety ratings of the Toyota Tundra?

The safety ratings of the Toyota Tundra are important to know because positive scores translate to lower insurance rates. 

Take a look at the Toyota Tundra’s crash test ratings as determined by the Insurance Insitute for Highway Safety.

• Small overlap front (driver-side): Marginal
• Small overlap front (passenger-side): Poor
• Moderate overlap front: Good
• Side: Good
• Roof strength: Acceptable
• Head restraints and seats: Good

As you can see, the crash test results of the Toyota Tundra are a mixed bag. Some parts of the truck performed well while both sides of the overlap front have room for improvement.

Toyota Tundra Compared Against Other Vehicles in the Same Class

Since the Insurance Institute for Highway Safety classifies the Toyota Tundra as a large pickup truck, there is plenty of competition in this vehicle segment. 

Take a look at the following three pickups that are comparable to the Toyota Tundra. By doing so, you will begin to see what average insurance rates look like for this vehicle segment.

• Chevrolet Silverado
• Nissan Titan
• RAM 1500

We have uncovered a lot of information about the Toyota Tundra, so is there anything we might’ve missed? If not, start comparing Toyota Tundra insurance rates from multiple companies by using our free online quote tool.